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Life Insurance Rates By Age

Most life insurance agencies don’t show sample quotes because they want your information.

We think it’s only fair that you should be able to look at some ballpark term and whole life insurance quotes without personal information.

So without further ado, here are sample life insurance quotes from ages 20 to 75 years old!

Term Life Insurance Quotes by Age

The best way to find out your exact rating is to use our quote form to gather quotes from multiple top life insurance companies.

They will take into consideration your:

  • Date of Birth
  • State Where You Live (for availability)
  • Smoker Status
  • Health Status
  • Amount of coverage and type of coverage you’re looking for

The best part?

After you fill out our form, we actually show you real term or permanent life insurance quotes!

You can grab an instant quote below.

Sample 10 Year Term Life Insurance Rates By Age

Below we’ve provided some term life insurance rates by age from ages 20 to 80, without requiring personal information.

These rates are for “10 year term life insurance”, and are showing quotes from a type of policy that would require a medical exam:

Age$100,000 $250,000
30 Year Old Male$7.27$9.30
40 Year Old Male$8.48$11.03
50 Year Old Male$14.34$23.79
60 Year Old Male$29.00$61.41
70 Year Old Male$79.75$181.12
80 Year Old Male$349.30$658.68

*All quotes are based on a Monthly premium. Quotes are for a male, in excellent health, non smoker.  Rates are subject to change.*

After clicking on an age group above, you will be directed to an article with quotes for specific ages, such as in the chart above.

Why Term Life Insurance?

Term is typically the best type of life insurance to fit most people’s needs since it is:

  • low cost with simple level premiums for a set time period like 10, 20, or 30 years
  • easy to understand
  • quick and easy to purchase
  • adequate to cover most life insurance needs scenarios

Dave Ramsey’s Take on Term vs. Whole Life Insurance

Common Reasons People Buy Term Life Insurance

  • replace their spouse’s income or pension
  • pay off debts (mortgage, credit, student loans, etc)
  • business insurance (key person or buy-sell insurance)

A Word of Caution

Having said that, be careful dealing with newbie agents as well as “captive agents.”

Rookie agents typically don’t know where to actually find you the best ​life insurance ​quotes.

When I got started 14 years ago, I quoted everyone the best health rating because I simply didn’t know better.

As I learned the ropes, I found out some life insurance companies are actually better for particular health concerns than others, and a good agent needs to be familiar with them to save you money.

Also, be careful of captive agents.

They are beholden to ONE company.

It’s not often their company will have the best price so you want to use an agent who can shop the market to help you find the best rates.

The Best Term Life Insurance Rates Require More Information

Please understand the most accurate life insurance rates by age will depend on:

  • Age – while we offer ballpark rates from ages 20-80 above, consider requesting an actual quote based on your exact date of birth using our quote form on the right
  • Gender – females tend to cost less than males
  • Family History – you can be penalized for certain diseases your parents or siblings had before age 60 or 70, such as some cancers, coronary artery disease, or diabetes
  • Travels, Occupation, & Activities – if you have a hazardous job, or travel the world to remote places, or jump out of airplanes or scuba dive, insurance companies want to know, and may penalize you for this
  • Drug or Alcohol use or abuse
  • Driving Record
  • Credits – You might also qualify to improve your rates based on your education, regular doctor visits, a good healthy family history, or your income level.

As you can see, there’s a whole lot more that goes into it than just a quick ballpark quote.

The best way to get started to see your actual rates will be (based on your age and health) is by using our quote form on the right or click below.

Instant Life Insurance Quote RequestInstant Life Insurance Quote Request

​Types of Term Life Insurance

There are several different types of term life insurance, including, 10, 20 & 30 Year, Return of Premium, and No Exam, we will go into more detail on each type.

10 Year Term

​A 10 year term life insurance policy is going to be one of the most affordable options when you are looking into purchasing a life insurance policy.

This policy is going to guarantee that your rates stay locked in for 10 years.

At the end of this 10 year term, your policy will renew and at that point your rates can change.

Learn more about 10 year term life insurance >>>

​20 Year Term

​​A 20 year term life insurance policy is ​the most common type of term chosen when it comes to a term length option and will be in the mid range of pricing.

This policy is going to guarantee that your rates stay locked in for 20 years.

At the end of this 20 year term life insurance policy, you ​can decide to renew and at that point your rates can change.

Learn more about 20 year term life insurance >>>

​30 Year Term

​The 30 year term life insurance option is going to be the most expensive option of the other term options.

However, it will allow you to have your benefit locked in for the longest period of time and will save you more money in the long run.

If you are young enough where a 30 year term option is still available then we recommend this option.

At the end of this 30 year term, you have to figure out if you want to renew the policy at a higher rate or let it end.

Learn more about 30 year term life insurance >>>

​Return Of Premium Term

​Return of premium term life insurance is going to be more expensive than any other type of term life insurance policy.

The way this policy works is that you get all of the permiums you paid into the policy “returned” to you if you outlive the benefit.

It’s like getting a free life insurance policy; if you pass away before the term ends, the policy will payout 100% of the benefit.

If you outlive the policy it will payout 100% of the premiums you paid into it.

You get to have a free life insurance policy and a savings account.

If you can afford the additional premium this is a great option.

Learn more about ​return of premium term life insurance >>>

No Medical Exam

Want to buy life insurance the quick and easy way?

Then “no exam” life insurance might be the way to go.

… and of course, we’re happy to provide you with sample no exam quotes by age with no personal information too!

No exam life insurance offers you a way to buy life insurance:

  • very quickly (approval in as little as 15 minutes)
  • from the comfort of your own home
  • over the phone or email
  • with no physical exam required

Here are actual, sample rates for 20 year term with and without a medical exam for $100,000 of coverage. Note, “no exam” does not mean “no health questions.”

20 Year Old$8.82$11.53
30 Year Old$9.31$12.87
40 Year Old$11.27$17.55
50 Year Old$22.94$33.39
60 Year Old$54.71$84.74
70 Year Old$176.58N/A
80 Year OldN/AN/A

*Please note all quotes are based on a Monthly premium.  Quotes are for a male, in excellent health, non-smoker. Rates are subject to change.*

A typical no exam application process will include:

  • health questions
  • MIB check (they check against a database of health details other insurance companies have shared about you)
  • Motor vehicle report
  • prescription check
  • In some cases, they pull your medical records or “attending physician statements.”

Pros & Cons of No Exam Life Insurance


It’s quicker – usually only takes a couple of days to have coverage.

Also, if you have some unknown health issue, you can get coverage right away without an exam exposing your issue.

This does NOT mean defrauding the insurance company or lying about poor health.

It means you might have a condition you didn’t even know you had.

If that’s that case, you could still qualify for no exam life insurance, but a “fully underwritten policy” (the one that requires an exam)


It’s almost always more expensive, perhaps 10% to 40% more expensive.

The cost could be dramatically higher if you’re older or have a health issue.

If you have a health issue, it’s usually better to buy a fully underwritten policy using our Special Case Roadshow for the best deal.

No medical exam coverage is usually best for younger applicants in terrific health.

no exam vs traditionally underwritten policies savings


Whole Life Insurance Rates by Age

While we don’t push whole life as an investment or for supplemental retirement income, we understand that there are some situations when it makes sense for some people.

A few good candidates for whole life are:

  • businesses using it for executive compensation
  • high income individuals with steady incomes looking for a conservative, safe investment without much concern for the return
  • high risk medical issues where guaranteed issue whole life policies are the only option for coverage

Our life insurance calculator at Huntley Wealth website doesn’t offer whole life insurance rates by age, so the best way to get a custom quote is to call us at 888-603-2876.

Whole Life Insurance – Quotes & Future Cash Value

Many people ask us what the future values might look like for whole life insurance if they were to buy and let the interest and dividends accumulate.

Here is a sample whole life chart we’ve taken as an average of a few top whole life companies, assuming paid up additions was elected:

$500,000 Whole Life Policy For a Male in Excellent Health

Annual Cost and Projected Values

 Price10 Year CV20 Year CV30 Year CV
20 Year Old$3,956$29,746 $98,142 $205,360
30 Year Old$5,376$46,438 $147,786 $308,552
40 Year Old$8,006$71,002$228,272$487,090
50 Year Old$12,726$114,652 $354,690 $761,516
60 Year Old$20,726$186,112$582,808N/A
70 Year Old$35,166 $298,654$498,262 N/A

*Whole life rates above are for a $500,000 death benefit. They are “ballpark” numbers assembled from 3 of our top whole life insurance company rates and are for illustration purposes only.*

For whole life quotes for $250,000, $750,000 or $1 million, please use visit our term vs. whole life insurance comparison page.

Universal Life vs. Term Life

​The big difference between term life insurance and universal life insurance is that universal life is a permanent policy.  ​

Universal life policies will provide coverage for your whole life, where a term life policy will only cover you for a set term.

​In universal life (UL), you apply the same calculations to the premium as you do in term, but instead of​ averaging it out over 10, 20 or 30 years, you pay the average price to insure yourself to age 100.

In addition, term has no cash value.  If you cancel a traditional term policy, nothing is returned to you.

UL Benefits:

1. How The Death Benefits Pay

You ​get 2 options to choose from when deciding how you want death benefits to be paid to your primary or secondary beneficiary:

  • Option 1 Death Benefit or Level Death Benefit: You can choose a level death benefit, that starts off as one amount and stays level for the life of the policy, regardless of cash value.
  • ​Option 2 Death Benefit: The other option is a combination of a specific death benefit plus the cash value accumulation feature which builds over the life of the policy.

2. The Cash Accumulation Portion

A portion of your premiums is allocated by the insurance company into an interest crediting strategy of your choosing.  One popular vehicle, called equity indexed universal life, allows you to participate in the gains of a major stock index, such as the S&P 500, with no risk of principal loss.

You are guaranteed a specific rate of return in many of these strategies, regardless of how well the market does.

If the market performs better than the minimal guaranteed amount of investment, you may reap the rewards by benefiting from some portion of the gains, which may be capped at a certain percentage.

3. Flexible Premiums

The big difference between universal life insurance and a ​term life policy is that with universal life the premiums can be paid as the policyholder desires, as long as sufficient cash values are present to pay off the cost of insurance.

With term life, you can’t change the premiums to suit your economic situation.

Sample Guaranteed Universal Life Insurance Rates:

AGE$100,000 $500,000
30 Years Old$38.89$174.00
40 Years Old$53.88$249.50
50 Years Old$84.60$378.90
60 Years Old$138.06$611.25
70 Years Old$241.60$1,114.75

*Quotes above are for a male, non-smoker who qualifies for the best health class and are monthly rates.  Not an offer for insurance.  Your rates may be different depending on your specific situation. Rates are subject to change.*

Can I Get Life Insurance Over Age 50, 60, or 70?

I’m not sure where this misconception comes from in the U.S., but insuring people over age 50 is quite simple.

In fact, we have dozens of companies who offer insurance up to age 80.

… even up to ages 85 or 90!

So if you’re over 50 and think age is a concern, it’s not.

What can be a concern when looking for life insurance policy quotes, is your health and affordability.

We all know as you age, life insurance becomes more expensive, especially if you have a health issue.

But most of the time, our highly trained agents at Huntley Wealth know exactly which companies are most likely to approve you with a health issue.

We’ve insured:

…you name it, we’ve seen it, and have probably helped someone get coverage with it.

What are the Steps to Buy Life Insurance?

It’s actually quite easy!

We have a 3 step “Hero for Life” plan that will get you covered quickly and easily.

#1 – Get a FREE Quote

Instantly compare rates from over 30 top rated life insurance companies.

#2 – Quick and Easy Application

The application can be done by email or phone in minutes.  100% digital signatures.

#3 – You’re Insured!​​​​

Congratulations!  You’re your family’s hero.

​It’s Hero Time

We all believe we’re invincible, but the fact of the matter is that unexpected deaths happen all the time.

What’s more, life insurance gets more expensive as you get older.

So it’s time to make a choice…If you want to be able to protect and provide for your family (even if you’re not here), you can click here to start with a free quote right now – it literally takes less than one minute!

I know… that’s some big-time superhero, life-after-death talk right there, but I’m being serious.

The alternative is to leave your family’s well-being in the hands of chance, who could face serious obstacles without you.

To achieve instant “hero” status, make sure your loved ones are protected, and punch death in the face, click here now.

*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.

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